Speaker 1: I would like to acknowledge the traditional owners of the
Speaker 1: land on which this episode is being recorded, the Combomb
Speaker 1: Merry people. They've been having conversations and telling stories on
Speaker 1: this land for thousands of years, and we show our
Speaker 1: gratitude and respect for their contribution to our environment and culture.
Speaker 1: This is Rise and Conquer, the podcast where we strive
Speaker 1: to become the highest version of ourselves through curious conversations,
Speaker 1: healthy mindsets, laughter, connection, and a deep desire to evolve.
Speaker 1: I'm your host, Georgie Stevenson. Join me as we explore parenthood, business, manifestation,
Speaker 1: and so much more.
Speaker 2: It's positive, it's practical.
Speaker 1: And it's about putting you in the driver's seat of
Speaker 1: your own life.
Speaker 3: Are you ready.
Speaker 1: Just before we start the episode, if you have ever
Speaker 1: felt like manifestation makes sense in theory but not in
Speaker 1: your everyday life, If it has felt hard to stay
Speaker 1: consistent in your manifesting routines, then we have the thing
Speaker 1: for you. So introducing our brand new product, the Manifestation Lab.
Speaker 1: And honestly, I am so excited about this. The Lab
Speaker 1: is your personal manifestation system. It's for the dreamers who
Speaker 1: are ready to become doers.
Speaker 3: It's for the ones who are.
Speaker 1: Done with guessing and are ready to ground their desires
Speaker 1: into reality with clarity, with structure and align action. So
Speaker 1: basically it is a notion template and inside you'll get
Speaker 1: clarity tools to really define what you want. That is
Speaker 1: the first step of manifestation and it is so important.
Speaker 1: You'll also get rituals and mindset practices to clear any
Speaker 1: resistance and to shift your energy, which is also one
Speaker 1: of the most important parts. You'll also get my full
Speaker 1: limiting beliefs and manifestation formula so you can clear what
Speaker 1: is holding you back. There is a tracker to stay
Speaker 1: consistent and accountable, and of course there is a manifestation
Speaker 1: library where we have given you every book, every podcast,
Speaker 1: every YouTube, So if you want to raise your frequency,
Speaker 1: if you want to learn about something, we have given
Speaker 1: you a whole library of where to go, and that
Speaker 1: is all my favorite resources.
Speaker 3: So it's not just a pretty template.
Speaker 1: This is going to be your daily manifestation podal a
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Speaker 1: if you have desires, if you're calling an abundance or
Speaker 1: love or success or all of the above, the Manifestation
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Speaker 3: This is something that is only thirty three dollars.
Speaker 1: And you're going to use it daily. So if you
Speaker 1: are listening back to this episode, it would already live
Speaker 1: on our website.
Speaker 3: We are so excited. Head to the show notes to
Speaker 3: check it out.
Speaker 1: But let's get into the episode. Today on the podcast,
Speaker 1: we're joined by a total force in the finance world,
Speaker 1: Victoria Divine. She's not only a former financial advisor to
Speaker 1: an entrepreneur, but the founder of She's on the Money,
Speaker 1: Australia's number one finance podcast that consistently dominates the charts
Speaker 1: with millions of downloads and a thriving community behind her.
Speaker 1: Victoria has made it her mission to help people take
Speaker 1: back control of their finances and build wealth on their
Speaker 1: own terms. She's also a best selling author and the
Speaker 1: co founder of Zella Money, a fast growing financial advice,
Speaker 1: accounting and finance breaking business that is helping everyday people
Speaker 1: create extraordinary financial futures. In this episode, Victoria breaks down
Speaker 1: exactly how to step into your financial power. We're talking
Speaker 1: investment one oh one, building systems that work for you,
Speaker 1: and how to balance the energetics and structures behind lasting
Speaker 1: financial success. Her ability to make money.
Speaker 2: Feel clear, approachable, and.
Speaker 3: Even fun honestly is next level.
Speaker 1: And also, guys, we talk a lot about how manifesting
Speaker 1: and the energetics of money is involved in this. Sometimes
Speaker 1: you can think someone like Victoria is maybe someone who
Speaker 1: doesn't have anything to do with that world, but she
Speaker 1: actually does and she really helps put it in a
Speaker 1: structure and a system. And so I think you guys
Speaker 1: are going to absolutely love this episode. So whether you're
Speaker 1: just starting out or ready to take your money game
Speaker 1: to the next level, this conversation is going to leave
Speaker 1: you feeling empowered, educated, and excited about your financial future. Victoria,
Speaker 1: Welcome back to the Rise and Conquered Podcast.
Speaker 4: I am so excited about this, Like we were looking
Speaker 4: it up off it and I was like, when was
Speaker 4: that and twenty twenty one twenty It's been a hot minute.
Speaker 3: It's been a good couple of years.
Speaker 1: And also we were just having a laugh because I
Speaker 1: was pregnant with Ivy.
Speaker 4: Girl and now you're pregnant again.
Speaker 2: And again and we only interview when I'm Yeah.
Speaker 4: We only do podcasts when Georgie is pregnant. So you're
Speaker 4: going to continue to have to have babies so we
Speaker 4: can continue this relationshiation. Yeah, otherwise, I so sorry.
Speaker 3: Thank you so much for coming back on the show.
Speaker 1: And it has been incredible to watch your journey over
Speaker 1: these last four years, watch you grow your platform, grow
Speaker 1: your businesses.
Speaker 3: For those who don't know who.
Speaker 1: You are, could you just give us a little bit
Speaker 1: of an elevator pit.
Speaker 4: Hi, I'm Victoria. It is so lovely to meet you,
Speaker 4: if we haven't met before. I am an ex financial advisor.
Speaker 4: I retired in twenty twenty two and decided to go
Speaker 4: all in on content creation. So I have the Sheese
Speaker 4: on the Money podcast and we talk literally all things money.
Speaker 4: And I also own a mortgage broking business called Zella Money,
Speaker 4: and so that was kind of like my baby that
Speaker 4: I nurtured. When I retired in twenty twenty two, I
Speaker 4: was like, all right, well, I can't step out completely
Speaker 4: of the finance industry. And now, yeah, every single day
Speaker 4: I get people into their first homes, their second homes,
Speaker 4: maybe their fifth homes, and it's so exciting. But I
Speaker 4: guess that's me.
Speaker 1: You really do do it all, and you also have
Speaker 1: a gorgeous baby boy.
Speaker 4: Oh yeah, my personal life yea, do not forget it's
Speaker 4: my work life. But then you on the flip side,
Speaker 4: I have a gorgeous husband called Steve. I have a
Speaker 4: son who is now or thirteen months old, which is crazy,
Speaker 4: and yeah, I've got a beautiful dog and yeah, life
Speaker 4: is good.
Speaker 1: I always do that where I just introduce myself my
Speaker 1: occasional sense.
Speaker 4: Yeah, I'm at work, right so they yeah, you don't.
Speaker 4: I don't know. It's like a job interview. You wouldn't
Speaker 4: go in and be like, so, yeah my husband in
Speaker 4: a job interview. I like kind of separate the two
Speaker 4: and the I'm like, hold on now, this is a
Speaker 4: personal chat.
Speaker 1: No, thank you so much for that. And yes, your
Speaker 1: baby boy is so so sweet. And I love the
Speaker 1: fact that you do it all. And the season that
Speaker 1: we're currently in on the Rise and Concer podcast is
Speaker 1: how to have it all, do it all, be whoever
Speaker 1: you want. And I feel like you very much embody
Speaker 1: that I want to go straight in because, as you know,
Speaker 1: I talk a lot about the energetics and the mindset
Speaker 1: around money and I have always been obsessed with your
Speaker 1: work because you are all about the strategy, You have
Speaker 1: the structures. I obviously believe that you need both, and
Speaker 1: I know when I first kind of saw your work
Speaker 1: and then interviewed you, I was like, oh, wow, no,
Speaker 1: if she does the mindset and energetics like you.
Speaker 4: Really do, I'm also a little bit Delulu.
Speaker 1: You are absolutely Delu, and I think a lot of
Speaker 1: people would be surprised by that because you've got the
Speaker 1: financial business.
Speaker 4: Like on think, I'm just strategy gal.
Speaker 2: Yeah.
Speaker 1: On paper or the first glance, you do look like
Speaker 1: just very that masculine energy, corporate girl, strategy girl.
Speaker 2: And then when I got to know you on a
Speaker 2: deeper level, I was like, oh.
Speaker 4: No, she's just a girl.
Speaker 3: She gets it's the whole thing.
Speaker 1: And so I would love to go straight into that because,
Speaker 1: like I said, my opinion is you really need both.
Speaker 1: I'd love to know your opinion on that.
Speaker 4: It's so funny, right because you obviously do a lot
Speaker 4: about manifesting and I'm obsessed with it, but I'm such
Speaker 4: a like I'm I mean this like juxtaposition position right
Speaker 4: where I love the idea of manifesting, but when you
Speaker 4: really break it down. That's a beautiful mindset, but it's
Speaker 4: not going to work without strategy. So like the mindset
Speaker 4: and the energetics, they are the thing that's going to
Speaker 4: carry you on that journey. But if you don't have
Speaker 4: the strategy, you don't have a roadmap, you don't have
Speaker 4: a plan in place, and all of that energy may
Speaker 4: be wasted. And so we need to create a strategy
Speaker 4: so that you know, if you're manifesting, let's say you're
Speaker 4: dream home, you could have a million Pinterest boards and girl,
Speaker 4: I am the biggest Pinterest you. So like if we
Speaker 4: looked at my app usage, I swear I just scroll
Speaker 4: on there all day being like, oh IP in this
Speaker 4: and I love it. But if you really want to
Speaker 4: create a vision board and bring it to life, we
Speaker 4: need to create a roadmap that helps us get there.
Speaker 4: And it's this concept of if you're looking for something,
Speaker 4: you're more likely to discover it. And I guess that's
Speaker 4: where manifestation fits in for me. You said before, you
Speaker 4: know it's really unexpected that you're into I guess the
Speaker 4: more delulu side of things. But if we take a
Speaker 4: step back, I actually have two psych degrees, so I
Speaker 4: studied psychology as my first degree and my second degree,
Speaker 4: and then realized I didn't really want to be a counselor.
Speaker 4: I didn't want to work in you know, psychology in
Speaker 4: that way. I kind of much preferred the self development
Speaker 4: side of things, which had me fall into a space
Speaker 4: called organizational psychology. And I think the reason I loved
Speaker 4: that was because I went straight into an area called
Speaker 4: culture and engagement. And I also did a lot on
Speaker 4: leadership development, so working with essentially the C suite to
Speaker 4: take them to the next level. And then I realized,
Speaker 4: you know, this is only in hindsight, because you can't
Speaker 4: realize things sometimes in the moment. Just wasn't gelling with me.
Speaker 4: I much preferred doing that with women, and so money
Speaker 4: made sense, right, like money is the key to the kingdom,
Speaker 4: Like money gives you security and freedom and choice, But
Speaker 4: we also need to have the right mindset, because we
Speaker 4: could give you heaps and heaps of money, Georgie. But
Speaker 4: then if you don't have the right mindset, you might
Speaker 4: not do a single thing with it, and you won't
Speaker 4: create the dream life you deserve.
Speaker 1: You won't leverage it, no exchange it, you won't invest,
Speaker 1: you'll be too scared.
Speaker 4: Exactly, you just leave it as this tool that you
Speaker 4: know if you don't. And I talk a lot about
Speaker 4: money stories and really understanding, like, hey, Georgie, why do
Speaker 4: you feel a particular way about this? And you'll go, oh,
Speaker 4: I don't really know. But then if we dive a
Speaker 4: little bit deeper, you go, oh, my goodnurse. All of
Speaker 4: my experiences have meant that.
Speaker 1: My parents said this exactly, this happened to me at
Speaker 1: this moment, I felt stupid with money. So I feel like, I,
Speaker 1: you know, don't'm.
Speaker 4: So silly with it, and so I can't be try
Speaker 4: And you're like, hold on, where's this narrative coming from?
Speaker 4: And why can't we rewrite that? Yes, so I think
Speaker 4: it's a lot about that. And people look at money
Speaker 4: as just a tool, and for the longest time it
Speaker 4: has been a white man's game. It's like, Georgie, we're
Speaker 4: just girls. We don't understand. But at the end of
Speaker 4: the day, who runs the world, Like most of the
Speaker 4: money decisions in a household are made by women, but
Speaker 4: we don't have the power to control that.
Speaker 3: We're taking that back absolutely.
Speaker 1: And also we don't have the tools, we don't have
Speaker 1: the background, the information, and that's why I love that
Speaker 1: you're saying all this, because I'm like, yes, And it's
Speaker 1: so interesting because one of the one of my work girls,
Speaker 1: I was like, I'm gonna go see Victoria. She's on
Speaker 1: the money, and she's like, oh, this is so exciting
Speaker 1: because you guys are like so opposite and I'm like, no,
Speaker 1: actually not, yeah, we actually if you actually listen to
Speaker 1: her content and you know deeper, like we're very similar. Obviously,
Speaker 1: I'm never going to give financial advice because I'm not, but.
Speaker 4: You don't do to talk about mindset and like, yes, Georgie,
Speaker 4: I could sit down and give you, Like let's just
Speaker 4: say we've got somebody. Let's call her Sarah, and we
Speaker 4: sit her down and we go, all right, Sarah, we
Speaker 4: want to change your life. Like, and I think that
Speaker 4: you and I together, we could we could do some
Speaker 4: stuff with Sarah, some really good stuff. But like, let's
Speaker 4: just start with the strategy side of things. I'm gonna
Speaker 4: sit down, I'm gonna give her a proper budget. I'm
Speaker 4: going to give her an investment portfolio plan, really well diversified. Yeah,
Speaker 4: she's not committed, she hasn't got the right mindset, she's
Speaker 4: not on board. She doesn't really, it's usualized her future exactly. Yeah,
Speaker 4: So like you cannot have one without the other. And
Speaker 4: I think so often we think the key to the
Speaker 4: kingdom is going to be, oh my gosh, I'll get
Speaker 4: my budget together one day. Godfriend, get your mindset together,
Speaker 4: because the second you do the budget easy.
Speaker 2: It's easy, it's easy.
Speaker 1: And also, I would argue the mindset needs to come first. Agree,
Speaker 1: because even if you get the budget, or even like
Speaker 1: you get this huge load of cash, but you don't
Speaker 1: have the mindset, you don't have the energetics to hold it,
Speaker 1: you won't make great decisions. And then that will continue
Speaker 1: into your narrative of why you're not good with money
Speaker 1: and so.
Speaker 4: It yeah, and you'll feel constrained by it. So like, yeah,
Speaker 4: you can get your mindset right. Even if you're like V,
Speaker 4: I don't know, I don't earn a lot of money,
Speaker 4: that doesn't matter, because if we can get your mindset
Speaker 4: in alignment and you can get your vision really clear,
Speaker 4: do you know how easy it is to budget When
Speaker 4: you're like, no, I'm making decisions that are aligned with
Speaker 4: my vision and my future self, you don't feel like
Speaker 4: you're compromising. You don't feel like you are being restricted.
Speaker 4: And how often have you heard, Oh, I don't budget,
Speaker 4: it's too restrictive. I'm sorry, restrictive for what? Yeah, like,
Speaker 4: what are we restricting here? Because like, from my perspective,
Speaker 4: I'm helping you build your dream life And that's not restrictive, baby.
Speaker 1: That's empowering exactly. That's incredible. So even let's even touch
Speaker 1: on it. So, like you said, how Icee, manifesting is
Speaker 1: not necessarily like the vision boards the dreaming. That's definitely
Speaker 1: a component, and I love that it's important because most
Speaker 1: of us dream too small, and so that is definitely
Speaker 1: a component. But when I and how I teach manifesting
Speaker 1: is I am not going to talk much or like,
Speaker 1: manifesting isn't the act of doing, It's not the masculine
Speaker 1: act of doing. Manifestation is Okay, here's the vision, here's
Speaker 1: the goal. Who do I need to be in order
Speaker 1: to have that goal? Like, yeah, who is the person
Speaker 1: who has that goal? And I think that's like a misconception.
Speaker 1: And I love that you've already kind of spoken on this,
Speaker 1: but it's like, okay, so that person who does have
Speaker 1: that you know, investment portfolio, who does that what does
Speaker 1: their budget look like, how do they show up?
Speaker 2: You know, who are they being?
Speaker 1: And I think again, when you marry those two, you
Speaker 1: really have the perfect strategy, the perfect embodiment for your
Speaker 1: next level self, who is finance free, who feels so good?
Speaker 1: And I love that you said that when you get
Speaker 1: to a point of marrying both together, you won't.
Speaker 4: Feel to stricted.
Speaker 2: It will feel easy, there's less resistance.
Speaker 4: And I think it's so funny actually because I just
Speaker 4: published an episode on Cheese on the Money that basically
Speaker 4: says that manifestation is bullshit, Andia, I'm so sorry, I'm
Speaker 4: so sorry.
Speaker 3: How could you do that to us?
Speaker 4: It's kind of a big clickbaity because at the end
Speaker 4: of the day, like I think so many people think
Speaker 4: manifesting is just throwing it out to the universe, georgy,
Speaker 4: just throw it out to the I've been asking the universe.
Speaker 4: I think about it.
Speaker 3: All, think about it, and my poorsh appears.
Speaker 4: Yeah, like that's that happens, right, But like manifestation, like properly,
Speaker 4: like if we're going to talk about it, is actually
Speaker 4: you showing up for you, you doing those things and
Speaker 4: putting the work in.
Speaker 3: And I'm bodying that fuelure exactly.
Speaker 4: And sometimes I don't. I don't enjoy when people say, oh,
Speaker 4: I manifested this, because so flippantly it pushes off the
Speaker 4: fact that you worked really hard for this life.
Speaker 3: Yeah.
Speaker 4: Like you know, if you sat with me and we're
Speaker 4: at brunch and I'm talking about something and you say, yeah,
Speaker 4: I manifested my whole life, I'd be like, girlfriend, you
Speaker 4: worked hard for your life. Like I can see how
Speaker 4: much time and energy and effort and alignment you are,
Speaker 4: you know, creating. That's not just manifestation. That's not this.
Speaker 4: And I think that because of TikTok, because of Instagram,
Speaker 4: there's this concept that manifestation is just like maybe you
Speaker 4: should just like do a little meditation Georgie in the
Speaker 4: morning and like tick tick tick, all of a sudden
Speaker 4: your life with you exactly, And that's not it. But
Speaker 4: like that time that you're spending with yourself is the
Speaker 4: clarity to then go and do the strategy because unfortunately,
Speaker 4: no one's going to come riding in on a white
Speaker 4: horse and save you, like you are the one that
Speaker 4: has to do the work, like and if you're not
Speaker 4: going to be showing up for you, who else is
Speaker 4: going to and if you're not going to show up
Speaker 4: for you, why would other people if you're not even
Speaker 4: saying it's a value, So I think it's Yeah, for me, yes,
Speaker 4: it was a little bit click baby, and that's why
Speaker 4: I was like, no, I love manifestation, so small shit,
Speaker 4: but it's also just give yourself more credit, like you're
Speaker 4: doing work.
Speaker 1: Well, that's why we even stopped using the word manifestation
Speaker 1: in our marketing.
Speaker 4: Because it was getting a little bit dululu.
Speaker 1: Well because I like, I started using the word manifesting
Speaker 1: probably five or six years ago when I did my
Speaker 1: original course and that was like before it was trending.
Speaker 4: Because you were talking strategy and that encompass styes.
Speaker 1: And there was like I was like, this is a
Speaker 1: six step formula on how to embody your dream reality,
Speaker 1: which is manifestation because if you look at the dictionary
Speaker 1: example not example, sorry, the dictionary, manifestation is your thoughts.
Speaker 2: And your vision coming into fruition.
Speaker 1: So it made it involves work. It made Yeah, it
Speaker 1: made sense in regards to using that. But now because
Speaker 1: of TikTok, because of social media, I can absolutely understand
Speaker 1: why people don't want to use the word manifestation because
Speaker 1: it discredits and yeah, we honestly stop in using the
Speaker 1: manifestation in some of our marketing.
Speaker 4: It's so important still because I think that that, especially
Speaker 4: when you're stepping more into your feminine energy, like I
Speaker 4: want to be using words like manifestation because I feel
Speaker 4: like it embraces this strategy and process and who I
Speaker 4: really want to be, as opposed to yes, I've got
Speaker 4: a plan, Yes I've got a strategy, like well, no.
Speaker 1: The difference what I would say and why I don't
Speaker 1: use the words like goal setting and smart goals and whatnot,
Speaker 1: even though technically that's what I do, is because I
Speaker 1: guess with my life, I did the masculine version I
Speaker 1: got straight out of high school. I did law because
Speaker 1: it's like that's what I thought I had to do
Speaker 1: in society to be respected and please my parents, and
Speaker 1: I like followed that formula.
Speaker 2: And then when I.
Speaker 1: Started understanding manifestation, when I started using these laws of
Speaker 1: the universe, that's when I really transform my life into
Speaker 1: Georgie who has her own business, who you know, wakes up,
Speaker 1: you know, with her beautiful life and she's on the
Speaker 1: beach and she goes for walks and she has created
Speaker 1: this life that has felt like very much unreal, if
Speaker 1: that makes sense.
Speaker 3: And it wasn't.
Speaker 1: Because I was clear on that life. It was because
Speaker 1: I was like following that feminine side of me. Was
Speaker 1: when I was following the masculine, I got burnt out.
Speaker 2: And but you know me, Like, you know how.
Speaker 1: Hard I work, Like I'm on here in a work trip,
Speaker 1: I'm pregnant.
Speaker 4: You just just getting it done. Yeah, like I would
Speaker 4: love to see it.
Speaker 2: I absolutely do the hard work.
Speaker 1: But yeah, when you marry the two, that is the
Speaker 1: absolute sweet sweet spot. You can't just do one. You
Speaker 1: can't just do the feminine. You can't just do the
Speaker 1: visualization without the strategy, without the doing. Like surely we
Speaker 1: know this by now.
Speaker 4: Yeah, Like I don't know. I find it so interesting
Speaker 4: as well, because there are still we're not saying stop
Speaker 4: being a lawyer and go and do something else. No,
Speaker 4: But like, just because that's the way that has been
Speaker 4: paved before us doesn't mean it's the way that we
Speaker 4: need to continue forward. And I think, yeah, it's just
Speaker 4: so important to start stepping into Well.
Speaker 1: It depends if it's serving you or not. It depends
Speaker 1: if it's like, no, this is who I'm meant to be.
Speaker 1: And if you're honoring that kind of inner you, and
Speaker 1: you're honoring that like inn intuition.
Speaker 3: Because for me, when I wasn't, I got a lot
Speaker 3: of health issues.
Speaker 4: Oh my god, nurse me, you know, learning out, I
Speaker 4: was depressed. I was consistently being like I'm so tired all.
Speaker 3: The so anxious.
Speaker 1: Yeah, yeah, anyway, we round there.
Speaker 3: I love this for us.
Speaker 1: What I want to chat about next is I feel
Speaker 1: like especially women are quite scared and uncomfortable to talk
Speaker 1: about money. Obviously not you, not me, and so me
Speaker 1: please help me so shy and even like I know
Speaker 1: from my content because I'm very transparent. I talk about
Speaker 1: how much my businesses make. I talk about how much
Speaker 1: my car was, and that is very intentional to do
Speaker 1: that because I want other women to see it's not
Speaker 1: showy to talk about money. It's not showy to be,
Speaker 1: you know, talk about the investments you're making or anything
Speaker 1: like that.
Speaker 4: Because it's actually not what's important. Yes, like I've got
Speaker 4: a car costs, but also my life is whole because
Speaker 4: of all of these other things.
Speaker 1: Yes, and also you should never shy away from it,
Speaker 1: because I really believe like men aren't scared to talk
Speaker 1: about money, to talk about the crisis. Yeah, but if
Speaker 1: women do it, it's like, oh, that's yeah, like that's
Speaker 1: Georgie's yeah. And so I think it's very important to
Speaker 1: be so transparent and open because it shows other women
Speaker 1: that it's like.
Speaker 2: You shouldn't be ashamed, you shouldn't feel like this is
Speaker 2: a dirty secret.
Speaker 1: And the more that we are open about it, the
Speaker 1: more women feel comfortable, the more we start playing the game.
Speaker 2: I think that's very very important.
Speaker 3: How do you feel about that?
Speaker 4: Oh, I don't like talking about money, Georgie, Absolutely no.
Speaker 3: I don't have a whole podcast on it.
Speaker 4: But I think it's so important because when women have
Speaker 4: financial literacy, when women have money, women have power. And
Speaker 4: when women have power, we aren't constrained and we rule
Speaker 4: the world exactly like it's it's so funny because the
Speaker 4: more power we get, the more uncomfortable we're making men.
Speaker 4: I know, and they're the ones that are like, oh,
Speaker 4: that's ill, that's gross. I've never met a woman who
Speaker 4: is sure of herself that said what I do is wit.
Speaker 4: I've never I've met men who go, oh, that's a
Speaker 4: bit strange. Aren't you just milking that? A bit much. Yes, Queen,
Speaker 4: Yes I am.
Speaker 3: That's kind of the point.
Speaker 4: It's kind of the point, but I think it's it's
Speaker 4: so interesting as well. But at the same time, we
Speaker 4: need to acknowledge that women do genuinely feel uncomfortable talking
Speaker 4: about money. We can change that. But like you're putting
Speaker 4: women who historically have been told don't talk about money,
Speaker 4: that's ill, don't ask for a pay rise, don't talk
Speaker 4: to your colleagues, And then you're adding things in like trauma,
Speaker 4: what your money story was, so how you grew up
Speaker 4: around money, like Georgie, if you grew up and you
Speaker 4: didn't have a lot of money, you might feel sick
Speaker 4: whenever the topic comes up. You might just you might
Speaker 4: not know why that's happening, but you might get that
Speaker 4: like little not in the bottom of your stomach that
Speaker 4: goes you shouldn't be talking about this. Let's just move
Speaker 4: the conversation because you're feeling uncomfortable, And I actually want
Speaker 4: you to sit with that and ask yourself why, Like
Speaker 4: why do you feel a little bit icky in this situation?
Speaker 4: And that works for anything, right, Like ask yourself and
Speaker 4: your body, like why am I having this response? Like
Speaker 4: for me sometimes responses are fully visceral. I'm like, oh, like,
Speaker 4: how am I feeling this? And I just I want
Speaker 4: you to feel that, because the more you feel that,
Speaker 4: the more you're able to change where you can go
Speaker 4: and what that actually looks like. And then we're adding
Speaker 4: things in like the gender pay gap and all of
Speaker 4: the things that put women behind that for so long
Speaker 4: we've been told it's just the way it is. No,
Speaker 4: it's not, absolutely not, because when women have financial literacy,
Speaker 4: women have power, and when women have power, we don't
Speaker 4: need men great ten out of ten, like we don't
Speaker 4: need it, Like, we just don't need it. And so
Speaker 4: I think when we're talking about money, it's not icky,
Speaker 4: it's not weird. I want to know how much you
Speaker 4: paid for your card? Did you get a good deal?
Speaker 4: Like how did you purchase it? Oh my god, tell
Speaker 4: me about these things, because we should be opening the
Speaker 4: conversation up. Let's talk about finance. Let's talk about your house,
Speaker 4: like we also could be talking about these things without
Speaker 4: putting a dollar sign on it and having productive conversation
Speaker 4: like is it not helpful even if you don't own
Speaker 4: a property right now and aren't in the position to
Speaker 4: understand how that process works, like, I want to know, Hey, Victoria,
Speaker 4: how did you purchase your first home? Okay, cool? I
Speaker 4: saved up a deposit with my husband, and it was
Speaker 4: one of the hardest things we ever did. We got
Speaker 4: into our first home. Then okay, let's talk about my second. Okay, cool,
Speaker 4: that one was easier because it's always the first step,
Speaker 4: Like the first one hundred thousand dollars that you save
Speaker 4: or invest is always going to be the hardest, because
Speaker 4: after that stage you can leverage. Great, I've got some equity.
Speaker 4: I'm going to buy another property. Great, I've got some
Speaker 4: rental income. I can do this. Like, I want you
Speaker 4: to have all of the tools and resources, Georgie, so
Speaker 4: that there's no surprises along your journey. You might be
Speaker 4: at the very start, you might be in oodles of debt.
Speaker 4: I actually don't care. I think you deserve the same
Speaker 4: level of financial literacy as someone with multiple millions like.
Speaker 4: You deserve that, and I want to give that to
Speaker 4: you because even if you're in debt and you start
Speaker 4: getting out of debt, isn't it beautiful to know that
Speaker 4: you're doing that for you and the second that debt's gone,
Speaker 4: that's power. Let's calculate what that could look like in
Speaker 4: an investment. Let's calculate what that could look like in
Speaker 4: a home deposit to actually give you back the power.
Speaker 4: But I think with social media, with everything that is
Speaker 4: going on, we are in a position where we just
Speaker 4: consistently feel like we are not enough. And as women,
Speaker 4: we are hardwired to think that we always have to
Speaker 4: do better and that the next person has it better.
Speaker 4: The grass isn't greener, the grass is green where you
Speaker 4: water it. You need to be focusing on you, not
Speaker 4: on what somebody else is doing. But we can learn
Speaker 4: from them along the way.
Speaker 1: And I think it's even simple things like I my
Speaker 1: parents were very open about money and talking about it,
Speaker 1: but there always was kind of that lack story and
Speaker 1: it was kind of like, you know, oh, we're not
Speaker 1: people that go to UNI, We're not people that.
Speaker 2: Invest in that sort of story.
Speaker 1: So when I started accumulating more wealth and being like, Okay,
Speaker 1: well what do I do with.
Speaker 4: My mum, because like that's not part of the journey.
Speaker 1: Yeah, they like and they didn't, you know, they bought
Speaker 1: property and I have followed somewhat in that, but I
Speaker 1: was like, oh, I'm sure there's like other things I
Speaker 1: can do, and so when I started looking into it,
Speaker 1: it did feel very overwhelming and it felt like.
Speaker 4: Is this like a little secret for you?
Speaker 3: Yeah?
Speaker 2: Is this a little secret that everyone else knows that
Speaker 2: I don't know?
Speaker 1: And so I've really found you know, your books and
Speaker 1: your podcast so helpful because I'm like, oh, it's actually
Speaker 1: so simple and like really simple stuff Like my first
Speaker 1: couple of cars, I actually just like bought outright cash.
Speaker 4: And I did the same thing. And then I like really,
Speaker 4: so you're like, actually, that's maybe not the smartest financial DECISIONY.
Speaker 1: Could have, you know, bought a couple of houses at
Speaker 1: this point, but sure, and even like before the boom.
Speaker 4: But it also feels so good to do that.
Speaker 2: Yes right, and pay something out right and be like
Speaker 2: I own this.
Speaker 4: I don't have dat.
Speaker 2: I was so scared of debt.
Speaker 3: Now I have lots of debt.
Speaker 1: And it was then being like, oh, I can actually
Speaker 1: buy a car through my business, and then I can
Speaker 1: have alone, and then I can then use that cash
Speaker 1: for something else. Then I can leverage that, and then
Speaker 1: I can use the equity in my first house and
Speaker 1: all those things which I literally had no idea. And then,
Speaker 1: especially as a woman in business, a woman with wealth.
Speaker 1: But the first generation it had at the start felt
Speaker 1: like so much pressure because it wasn't spoken about. So
Speaker 1: I think it's so important to have people like you
Speaker 1: and me be very open about it and.
Speaker 4: Be like, here's how it can work, and this is
Speaker 4: how we've done it, and you'll give you the blue
Speaker 4: cree this way exactly.
Speaker 1: You can, you know, figure it out, but here's how
Speaker 1: I did it. And it doesn't have to feel so stressful,
Speaker 1: and it doesn't have to feel like for me, sorry,
Speaker 1: money used to.
Speaker 3: Feel a life or death situation.
Speaker 4: Yeah, like it used to feel so critical it is
Speaker 4: at that stage.
Speaker 1: Yes, and that really disregulated me and made me kind
Speaker 1: of make some very interesting decisions that now i'd probably
Speaker 1: go back and do differently. But again, you don't know
Speaker 1: what you don't know, and so that's why I think
Speaker 1: it's what you needed, because that was.
Speaker 4: Part of your journey, right, Like I think we look
Speaker 4: back and go, I wish I did that differently totally. Yeah,
Speaker 4: But also what did you learn? Like, what did you
Speaker 4: get out of that? Because Georgie, I think a very
Speaker 4: big part of my money story is that way back
Speaker 4: when I was working in psychology I got into forty
Speaker 4: thousand dollars worth of consumer debt, personal loan credit card.
Speaker 4: I was so good at it, it was like a game.
Speaker 4: But that didn't serve me. And if I hid that,
Speaker 4: because for a very long time, I was super embarrassed
Speaker 4: of that, like oh my goodnurse, Like I did not
Speaker 4: feel good about that. That doesn't serve other people. And
Speaker 4: me sharing that part of my narrative, that part of
Speaker 4: my journey. It's not because I'm super proud of it.
Speaker 4: It's because I know that that helps you. And I
Speaker 4: know that that's the reality. It's the reality of the situation.
Speaker 4: And I got myself out of that. And if I
Speaker 4: can do it, and I don't think I'm that smart,
Speaker 4: if I can do it, I can absolutely teach you
Speaker 4: to do it, and then you could do it, and
Speaker 4: then you could teach your friends and family to do it,
Speaker 4: and we could all be a lot more comfortable. Because
Speaker 4: when money comes together with your vision and what you
Speaker 4: want to create and you have alignment, there's so much
Speaker 4: power there, like, let's do that. Let's marry those two things.
Speaker 4: Because when I go back and look at that person
Speaker 4: who got into forty thousand dollars worth of consumer debt.
Speaker 4: She didn't know who she wanted to be. She was here, there, everywhere.
Speaker 4: She was just trying to be someone that she wasn't
Speaker 4: sure who that was and what that looked like. Now
Speaker 4: I know, I'm like, oh, that's fine. I don't care
Speaker 4: where my stuff's from. Sometimes I'm like, I just don't
Speaker 4: need that level of validation. And that's what I was
Speaker 4: searching for without knowing it.
Speaker 3: I even love what.
Speaker 1: You touched on about not feeling smart enough and not
Speaker 1: feeling like good with money because of previous decisions. And
Speaker 1: that's even why I am very intentional about talking about
Speaker 1: money while being the manifesting girl on Instagram, because I'm like, no, babes,
Speaker 1: the money isn't.
Speaker 2: Just for the Victoria's the Jack's over there. I can
Speaker 2: be a super you.
Speaker 1: Know, we would talking about this off air, but like
Speaker 1: the de Lulu girl on Instagram who goes off, who
Speaker 1: is financially very savvy, who not only has the mindset
Speaker 1: but has the financial advisor looks for, Okay, what do
Speaker 1: I want to do with my money? Because I never
Speaker 1: want women to think or if you're a bit we were,
Speaker 1: or if you're a bit like a stay at home mum.
Speaker 4: Or you're creative, so therefore you can't be good at fine.
Speaker 1: Yah, you can't be good at money. And I think
Speaker 1: it's really important to make everyone.
Speaker 4: Feel every mud at it right.
Speaker 1: With money, not just the you know, the women who
Speaker 1: went to university exactly or feel like they have a place.
Speaker 1: And that's why I think there's such a conversation for it,
Speaker 1: because I'm like, no, you can absolutely be whoever you
Speaker 1: want to be and still have a place at the
Speaker 1: table to talk about money.
Speaker 4: Yeah, one hundred percent. And I think it's it's so
Speaker 4: funny you say that because I had three Uni degrees
Speaker 4: and still got into that forty thousand dollars worth of debt.
Speaker 4: So it's got nothing to do with like your education,
Speaker 4: it really doesn't. I compared it on the podcast a
Speaker 4: little while ago, or on my podcast, sorry a little
Speaker 4: while ago to going to France. So like, Georgie, if
Speaker 4: I picked you up and we went to France tomorrow,
Speaker 4: can you speak French? Probably not? We know, like a
Speaker 4: few keywords like I could say bonjour, I could you know?
Speaker 4: So we I know I want to order a panicial plant.
Speaker 4: Like that's the limit of my knowledge, right, that's finance.
Speaker 4: The longer we spend in France, the more we are
Speaker 4: going to be comfortable with the language and we're going
Speaker 4: to pick up things here and there. But if we're
Speaker 4: not spending time in France, why would you know about it. Also,
Speaker 4: it's not in our school system, it's not in our
Speaker 4: university system. It is not your employer's job to educate
Speaker 4: you on this thing. This is a topic that essentially,
Speaker 4: if you don't have the education and you didn't seek
Speaker 4: it out yourself, how would you know how to speak French.
Speaker 4: You don't just wake up and know how to do it. Like,
Speaker 4: it's not because you're not smart, it's because you just
Speaker 4: don't have exposure. Let me give you exposure, because of
Speaker 4: course you're going to speak terrible French if you've never
Speaker 4: done it before. But that's why I made terrible financial
Speaker 4: decisions that ultimately I judged myself on and I put
Speaker 4: myself in the corner and was basically like, oh my goodness, like,
Speaker 4: I'm the worst at money, I can't be trusted, I'm
Speaker 4: never going to own my first home. And these are
Speaker 4: all narratives that I was telling myself shift that I
Speaker 4: got out of debt. Girl, you can too, like you
Speaker 4: literally can. If I can, I promise you it's not
Speaker 4: that hard being in debt and not being able to
Speaker 4: quote be good at money. It's not forever. In fact,
Speaker 4: it just means you spent more than you won't full stop,
Speaker 4: end of story. Do you want to fix that? Let
Speaker 4: me help you, And if we can get your mindset
Speaker 4: and your energetics in alignment, it will feel so easy.
Speaker 4: It'll feel like you were meant to be doing this
Speaker 4: the whole time.
Speaker 3: And don't make it mean something.
Speaker 1: So just because you are in debt, it doesn't mean
Speaker 1: you're bad with money one percent. You made previous choices,
Speaker 1: but you can always make new choices.
Speaker 3: You can always be that new person.
Speaker 4: One hundred percent, and money does not define who you are.
Speaker 3: Like I do not the least interesting thing about you.
Speaker 4: I do not care if you're a billionaire or you're
Speaker 4: in a billion dollars worth of debt. Are you kind?
Speaker 4: Are you nice? Are you somebody that I would invite
Speaker 4: around for having a little wine on the couch with
Speaker 4: me and my husband. That's the type of person I
Speaker 4: want to know. I don't care about your finances, but
Speaker 4: I care about you as a person. So therefore, by extension,
Speaker 4: I want you to be good money because I know
Speaker 4: how good that can make you feel. I know how
Speaker 4: much power that gives you. I want that for you absolutely,
Speaker 4: and I really really do. But do I judge you
Speaker 4: if you're in debt? No? No, Also, who has the
Speaker 4: time for that. Nobody doing more than you is ever
Speaker 4: going to think less of you, and you right now
Speaker 4: probably think less of you because of that. Just put
Speaker 4: that in the mid for that's a problem that yesterday
Speaker 4: you had. Today we're just honoring the fact that I
Speaker 4: am kind, I'm nice, I am exactly where I need
Speaker 4: to be, and there must be something that I'm learning
Speaker 4: from this journey of being in debt. Let's try and
Speaker 4: embrace that side of it.
Speaker 3: Yeah, what's the lesson? Who do I want to be
Speaker 3: moving for?
Speaker 4: Exactly? And sometimes you have to take like fifty steps
Speaker 4: back to be able to take one hundred forward and
Speaker 4: it doesn't feel good. But I promise there's a light
Speaker 4: at the end of the tunnel.
Speaker 1: Yeah, And like, no one's journey is linear. It's no,
Speaker 1: it's never gonna look like that. Like, I love that
Speaker 1: you share that past version of you, because I think
Speaker 1: it's very important people be like Oh okay, Victoria's it's
Speaker 1: not perfect.
Speaker 3: Look what she's created.
Speaker 4: I can do it too, exactly. And if I don't
Speaker 4: share that, how would we know that this stuff is
Speaker 4: a reality exactly?
Speaker 3: All right?
Speaker 1: So in our previous podcast we did talk about budgeting
Speaker 1: and property. I remember and I will link the previous podcast.
Speaker 1: But also, I'm sure you have so much updated information
Speaker 1: on your podcast, so we can.
Speaker 4: Just go if you want a budget, our friend, this
Speaker 4: is not the episode. I have a free one on
Speaker 4: my website. Go download it. You absolutely should do it.
Speaker 4: Go listen to the other episode. Go listen to my podcast.
Speaker 4: That's fantastic. We're just talking about the energies, the vibes,
Speaker 4: that making sure we're on the right track. We're talking
Speaker 4: about anisolu station, all of the funner stuff.
Speaker 3: Well not flu because now we're going to get into her.
Speaker 4: Right, take that back. So I'll make it fun. We'll
Speaker 4: make it fun. Frame it.
Speaker 2: It's us, so it's going to be fun.
Speaker 1: So I loved your id reel where you said a
Speaker 1: five dollars a day spend, which is eighteen hundred twenty
Speaker 1: five a year, sorry, eight and twenty five dollars a year.
Speaker 1: Five dollars a day invested is seventy thousand a year.
Speaker 1: Investing in shares is something a lot of women want
Speaker 1: to do, but they feel intimidated by. I love this
Speaker 1: so much because I started investing in shares maybe three
Speaker 1: years ago, and.
Speaker 4: I remember was starting and I was like, it's not
Speaker 4: that hard. I promise, go and see an advisor, do this,
Speaker 4: And I wanted to be your advisor so bad, but
Speaker 4: I was like stepping out of being a financial advice.
Speaker 4: You found a good one, You're okay. I did. I
Speaker 4: found a good one, you found a good, great recommendation, And.
Speaker 1: So I felt so intimidated, and I think I also
Speaker 1: had some weird stories. I remember my dad being like, oh,
Speaker 1: my friend had you know, three hundred grand in stocks
Speaker 1: and then like everything, yeah, and like the what's it
Speaker 1: called the g Global financial crisis happened in eight everybody
Speaker 1: lost everything. Yes, and so they're hairy though they ask yes,
Speaker 1: and I'm like, that's around it. But I was always like, oh, shares,
Speaker 1: that's it's too unpredictable, it's too volatile, but.
Speaker 4: How you got on today?
Speaker 1: Like oh wow, it's really I forget, and like I
Speaker 1: just then I was like sometimes I'm like Oh yeah,
Speaker 1: I've got all that money in shares, Like how cool.
Speaker 1: I really want to talk about it, because again, I
Speaker 1: feel like it's not something women like a global financial crisis.
Speaker 4: We could do a whole podcast on that. Let's not fine,
Speaker 4: I'll do it. There, you do it and link it
Speaker 4: to me. But yeah, let's talk about investing. Yeah, and
Speaker 4: so we can get into it. Investing is so fliping sexy,
Speaker 4: And the reason I love talking about it is it
Speaker 4: is because it's so accessible, Like you can now today
Speaker 4: invest for as little as one cent, Like you don't
Speaker 4: need a lot of money to begin, You can buy
Speaker 4: shares for as little as one cent, and that is
Speaker 4: flipping cool vibe. Oh so cool. Because when I started
Speaker 4: my financial advice like career, you couldn't do that. You
Speaker 4: needed a minimum of at least five hundred dollars to start,
Speaker 4: and for a lot of people that's their entire life savings,
Speaker 4: and they're like, well, I'm not willing to put that in.
Speaker 4: Whereas now you can start small and be considered to
Speaker 4: zoom a little bit further out and touch on the
Speaker 4: fact that you know your dad's brother's friend's dog said
Speaker 4: that you know you'll lose everything look what happened to
Speaker 4: the global financial crisis. Most people during the Global financial
Speaker 4: crisis lost all of their money because they freaked out.
Speaker 4: So during your lifetime, Georgie, you're going to see a
Speaker 4: minimum of seven market dips. That is seven times that
Speaker 4: your share portfolio is going to look so disgusting to
Speaker 4: look at. You're going to look at it. And the
Speaker 4: bigger your portfolio gets, the worse it feels. Because you're
Speaker 4: going to log in one day and it will say
Speaker 4: you've lost thousands of dollars. But that feels like trash,
Speaker 4: right But at the end of the day, that's not
Speaker 4: money you've lost. That is money that is still invested.
Speaker 4: But right now, if you'd sold those shares, that's what
Speaker 4: you would be accepting for it. We don't accept that.
Speaker 4: We wait, we ride the wave back up, and we
Speaker 4: consistently ride the wave. Because anybody in Australia who has
Speaker 4: been invested in the Australian share market for a minimum
Speaker 4: period of third years, Georgie hasn't ever lost money. Isn't
Speaker 4: that wild to think about. So it's a long term game,
Speaker 4: long term game, and in a social media world that
Speaker 4: is very hard because they're so bad at wanting instant gratification,
Speaker 4: Like if your video isn't engaging, I'm off it less
Speaker 4: than one second.
Speaker 3: Gimme a good hook nut.
Speaker 4: No, no good hook see you buye no good looking food.
Speaker 4: Off you go. But I think it's so important to
Speaker 4: understand why these people lost money, not just oh, your
Speaker 4: friend lost three hundred thousand dollars. Oh my goodness. I
Speaker 4: would never do that, because that's where real wealth happens. Unfortunately,
Speaker 4: we are in the middle of a cost of living crisis.
Speaker 4: Inflation is crazy. If you just keep your money in
Speaker 4: your savings account, Georgie, you are going to retire poorer
Speaker 4: than you are today, and that is crazy to think about.
Speaker 4: But you need to be investing to be able to
Speaker 4: get past inflation, because otherwise the money that you have.
Speaker 4: Let's pretend you have ten thousand dollars today in a
Speaker 4: savings account and feels so safe and so secure. Give
Speaker 4: it thirty years, maybe you still have ten thousand dollars
Speaker 4: in your savings account. That's great, same amount of money.
Speaker 4: You might have even contributed a little more savings, but
Speaker 4: it now buys significantly less.
Speaker 3: A loaf of bread.
Speaker 4: Exactly like you look back and I know it it
Speaker 4: is the most stereotypical example. But the loaf of bread, right,
Speaker 4: like a good loaf of bread at the bakery around
Speaker 4: the corner from me, seven or eight dollars at woollies,
Speaker 4: you're still buying it for like two or three. Back
Speaker 4: in my parents' days, it was sense. And that is
Speaker 4: something we need to take into consideration because that's just
Speaker 4: going to keep inflating. It's just going to keep going up.
Speaker 4: It does go up consistently every single year. And that's
Speaker 4: why we have things like the you know, the budget
Speaker 4: that comes out from the government every year. But we
Speaker 4: need to be beating that. So you need to be
Speaker 4: in it to win it, Like you have to invest.
Speaker 4: At the end of the day, you are putting yourself behind.
Speaker 4: And it's not scary, it's not. It's as easy as
Speaker 4: buying a new dress on the iconic and I'm like
Speaker 4: really good at that, Georgie.
Speaker 2: I'm so like literally, I'm so good at online shopping.
Speaker 4: It's not funny, exactly exactly. And if you're good at
Speaker 4: online shopping, you're good at investing in shares because it
Speaker 4: is as easy as downloading an app and just buying
Speaker 4: a few things. Hitting trade great it's not as hard
Speaker 4: as you think it is. Mediocre middle aged white men
Speaker 4: have made us think it is hard for a very
Speaker 4: long time because they have wanted us to pay them
Speaker 4: a lot of money to be able to access that,
Speaker 4: or they've wanted to gate keep their information because they
Speaker 4: just want to feel really smart. But it's not that deep.
Speaker 1: So if someone who doesn't they don't want to see
Speaker 1: a financial advisor, they don't want to see the middle
Speaker 1: aged white man, what do they do?
Speaker 4: They listen to Sheese on the Money, and then you'll
Speaker 4: be fine, absolutely fine, perfect if you want to start investing,
Speaker 4: first thing I would do is think about why. So
Speaker 4: we need to get that mindset and those energetics on
Speaker 4: the right page. So what do you want to achieve
Speaker 4: from this? Are we looking for? Like future financial freedom?
Speaker 4: Are we looking for you know, home deposit? What are
Speaker 4: we doing? We're gonna get clear on that. Then we're
Speaker 4: gonna go, all right, what kind of platform do I want?
Speaker 4: Am I gonna download an app like share Z's, which
Speaker 4: is just like an app you can have on your phone,
Speaker 4: gives you kind of not trying to pitch them, but
Speaker 4: like talking about it, but gives you access to like
Speaker 4: the US share market, Australia and New Zealand, and you
Speaker 4: can trade for like one cent or do you think
Speaker 4: you're like a full trader and you need something more
Speaker 4: complex and you're looking at a platform maybe like self Wealth,
Speaker 4: but that is a minimum of five hundred dollars to
Speaker 4: be able to invest in, and like it doesn't have
Speaker 4: a user friendly app, but like you might feel like
Speaker 4: it's a little bit more technical, So like what are
Speaker 4: we looking for? Pick your app and then we can
Speaker 4: start talking about the type of investment.
Speaker 1: You still use an app like Chaze even if you
Speaker 1: want to be investing thousands of dollars or you would
Speaker 1: recommend going to the other app.
Speaker 4: Nope, Nope, shar Z's works exactly the same if you
Speaker 4: have one cent or fifty million dollars, like their entire app,
Speaker 4: and like my money is on chare Za's. I like
Speaker 4: the experience. It's a legitimate investing platform, and it's so
Speaker 4: pretty Georgie, Like it's just a pretty app.
Speaker 3: Language, it's a pretty.
Speaker 4: App, and they have AI building so that you can
Speaker 4: like you can look up a I feel like this
Speaker 4: is a pitch not being paid for them or buy
Speaker 4: them for this podcast. I'm gonna call them up and
Speaker 4: be like, hey, you're getting the best call out here.
Speaker 4: But they literally have this like AI search. I don't
Speaker 4: think that's what they call it, but like you can
Speaker 4: type in what you're looking for, like I want an
Speaker 4: ETF that's like all women or something, or I want
Speaker 4: ethical ETF made up of tech companies and it will
Speaker 4: like find that for you. Love isn't that cool? So
Speaker 4: if you're like, oh, I've been thinking about this, maybe
Speaker 4: I want to do a little bit of research. Like
Speaker 4: it's so easy these days and that doesn't cost you anything.
Speaker 4: So for me, having an app that makes the experience
Speaker 4: easier so much better. That's why the iconic works, Right,
Speaker 4: They've got all of these different retailers together, so I
Speaker 4: can add a whole heap of things to my cart
Speaker 4: check out smooth process. To be honest, Georgie, if you
Speaker 4: made me go to like all of the other websites
Speaker 4: and buy those dresses individually, maybe I'd still get one.
Speaker 4: But like, I can't be bothered with the whole process.
Speaker 3: You're paying like all different shipping. I don't know too hard.
Speaker 4: Yeah, So I think it's important to have a process
Speaker 4: that works for you, that feels smooth and feels like
Speaker 4: you can commit to and then we can start picking
Speaker 4: what you invest in, and that's completely up to you.
Speaker 4: Like you could invest in direct shares, but for me
Speaker 4: and for the she's on the money community, most of
Speaker 4: them are looking at ETFs so exchange traded funds, which
Speaker 4: are basically big buckets of pre selected shares that some
Speaker 4: really smart, usually mediocre, middle aged white man has hicked.
Speaker 4: Or it might be the top two hundred companies in
Speaker 4: Australia because do you know what when it comes to investing, yes,
Speaker 4: I'm aggressive. I want you to do this so bad,
Speaker 4: but the second you get there, let's make it really boring. Georgie,
Speaker 4: I don't want to be like personally, I don't want
Speaker 4: to be taking massive risks with my money. No, I
Speaker 4: just want consistent returns so that like I retire so wealthy,
Speaker 4: I don't have to think about things. That's my plan.
Speaker 4: So you're investing portfolio. We're not looking for the biggest
Speaker 4: next thing. We're not looking for crypto. We're not looking
Speaker 4: for like, oh, the tech companies that have performed the best.
Speaker 4: I get it.
Speaker 3: What do you think of crypto?
Speaker 4: I'm a negative on the crypto side. Of things because
Speaker 4: of my community. So I've obviously heard a lot of
Speaker 4: negative stories. But on the flip side, why would I
Speaker 4: want to invest in something that, yeah, there's like maybe
Speaker 4: some significant upside, but it has such significant risk. But
Speaker 4: I know I could achieve wealth pretty dependently, almost guaranteed
Speaker 4: in the share market. Why would I take your money,
Speaker 4: Georgie and take the biggest risk on purchasing an asset
Speaker 4: that has no base? Right, Like, if we look at
Speaker 4: crypto versus like giving gambling, yeah, it's giving gambling. But
Speaker 4: like if we look at crypto versus a bank, let's
Speaker 4: pretend it's NAB. So we've got crypto and NAB. NAB
Speaker 4: is a legitimate business with lots of locations around Australia.
Speaker 4: Our economy is held up by parts of NAB. If
Speaker 4: they disappeared tomorrow, they can't, right, they have staff, they
Speaker 4: have you know, consistent dividends that they've paid out to people.
Speaker 4: Crypto who owns that. Where's their store? Where is the
Speaker 4: actual bricks and mortar building that is sustaining that? Could
Speaker 4: it disappear overnight? Absolutely it could? And crypto coins have
Speaker 4: so they've just disappeared out of the market completely and
Speaker 4: whose responsibility is at nobody's because they can do that.
Speaker 4: So you're telling me that I could invest in crypto
Speaker 4: and have all of that risk, or I could invest
Speaker 4: in NAB, which do you know what. Let's pretend and
Speaker 4: they're not going to like me for saying this, but
Speaker 4: let's pretend the worst controversy happens inside NAB and all
Speaker 4: of a sudden their share price completely plummets. At the
Speaker 4: end of the day, Georgie, they're so integral to our
Speaker 4: economy and to the banking of so many in Australians. Yep,
Speaker 4: might have affected their share price. Smart people are going
Speaker 4: to buy it while it's completely back up, and then
Speaker 4: it's going to go back up. Yeah, Like, is crypto
Speaker 4: going to do the same thing? No, it has never
Speaker 4: shown us that. Yes, bitcoin has, so like bitcoin as
Speaker 4: a coin on its own has and ethereum has done
Speaker 4: something similar. But like, that's too out of thousands, if
Speaker 4: not hundreds of thousands of different crypto options. For me,
Speaker 4: I am conservative but aggressive, so most of my money
Speaker 4: is in shares, but pretty conservative when we're picking boring
Speaker 4: things because like girl, I just want to retire comfortably
Speaker 4: and live my dream life. I'm not here. I don't
Speaker 4: want to think the next best thing, but I'm just
Speaker 4: not you can do that. But like, why would you
Speaker 4: risk it.
Speaker 1: Especially if you're a beginner, especially if you're just getting
Speaker 1: into the market, especially if you've never even doubled your toes.
Speaker 2: I think, Yeah, why.
Speaker 4: Would you be more comfortable with crypto over the share market?
Speaker 4: You need to ask yourself that, and usually it is
Speaker 4: because of the herd mentality. You've seen so many people
Speaker 4: online get involved in crypto, So somehow, because you've seen
Speaker 4: that role modeled, you feel safer with it. Whereas not
Speaker 4: that many people are bragging about their share portfolio. That's
Speaker 4: just consistent. That doesn't make a good news story. So
Speaker 4: you need to ask yourself why you would take such
Speaker 4: more significant risk over something that's tried and true. Right,
Speaker 4: How bold you about it?
Speaker 3: I love that again? Mindset?
Speaker 4: Yeah?
Speaker 1: Okay, So, like I said, since the seven, it's all
Speaker 1: about getting everything you want in life in business and
Speaker 1: from your financial perspective, what are the non negotiable someone
Speaker 1: should get right if they want to create financial freedom
Speaker 1: to have everything they desire in life in business, this
Speaker 1: dream life that me and you are both on the road.
Speaker 4: Yeah, So first is mindset. You need to get your
Speaker 4: mindset straight, because if you do not think you deserve this,
Speaker 4: it is not going to happen. We need to step
Speaker 4: into no, I'm worth this, No I deserve this. I
Speaker 4: am worth everything that I'm putting into me. Women consistently
Speaker 4: undervalue themselves put themselves last. Caring about your finances is
Speaker 4: making sure that that cup is bigger so that it
Speaker 4: is always overflowing, as opposed to always working off empty
Speaker 4: like we always talk about not being able to pour
Speaker 4: from an empty cup. Girl, finances is going to build
Speaker 4: the cup and plug all the holes and make sure
Speaker 4: that it holds everything in right. Then, once we're clean
Speaker 4: and clear on our mindset goes back to boring cash
Speaker 4: flow Georgie, I guarantee most now listening, Yep, you have
Speaker 4: to know. If they're not sexy, it's not fun. Most
Speaker 4: people would be able to tell me how many dollars
Speaker 4: come into their bank account because they know what their
Speaker 4: pay slips are, Georgie, how many dollars leave? Where are
Speaker 4: they going? What are they doing? I want you to
Speaker 4: know four numbers. What do you earn, what do you spend,
Speaker 4: what do you own? And what do you owe? Even
Speaker 4: if that is astronomical amounts of o wing because same girlfriend, Like,
Speaker 4: I am mortgaged up to the hilt and I regret nothing. Yeah,
Speaker 4: but like I want to know where I am because
Speaker 4: that's like a plot on a graph, and we can
Speaker 4: plot ourselves and work out where we want to go
Speaker 4: and what that looks like. The second thing I want
Speaker 4: you to focus on is your foundations. Do you have
Speaker 4: an emergency fund? Do you have fifty one hundred, maybe
Speaker 4: it's five thousand, I don't care, But do you have
Speaker 4: some cash sitting to the side that will help you
Speaker 4: get out of any situation you don't want to be in?
Speaker 4: Is it a bill that's just popped up and you're like,
Speaker 4: oh my goodness, I totally forgot about this. Is it,
Speaker 4: you know, flying back from Melbourne because you're stuck with
Speaker 4: Victoria here and you want to go home to.
Speaker 3: The Gold Coast, get me home.
Speaker 4: But like, you have that power to just go I'm leaving.
Speaker 4: So many people don't have that, Georgie. They can't leave
Speaker 4: a situation they don't want to be in, and that
Speaker 4: is power. We're not talking about tomorrow becoming a millionaire.
Speaker 4: We're talking about giving ourselves the financial freedom we deserve,
Speaker 4: and that is about giving ourselves choices. The next thing
Speaker 4: I want you to do is automate. I want you
Speaker 4: to automate your savings. I want you to automate your
Speaker 4: bill payments. I want you to automate a transfer to
Speaker 4: your investing account. Because those who have wealth, and you
Speaker 4: would know this now, George, they are the ones that
Speaker 4: pay themselves first. They set up their accounts. They are
Speaker 4: paying their mortgage, they are paying their savings, they are
Speaker 4: paying their debt, they are paying everything off to begin with.
Speaker 4: They are investing, and then they're playing with the rest. Yeah,
Speaker 4: people who look rich but are not rich are playing
Speaker 4: with all of their money and then paying everything second
Speaker 4: and not caring about it enough, so they're not creating
Speaker 4: and building wealth. Wealth is not visible. It's so unsexy,
Speaker 4: Like no one can see your investment portfolio, Georgie. They can't.
Speaker 3: It's sexy.
Speaker 4: They can see that. Oh, they can see your car,
Speaker 4: they can see your houses, and that's fantastic. But for
Speaker 4: lots of people, not you, but for lots of people,
Speaker 4: those visible things are actually one hundred percent debt. Like
Speaker 4: the cars on finance, they're really struggling with their mortgage
Speaker 4: they're going home every night and fighting with their partner
Speaker 4: over how they're going to make those payments. Your financial
Speaker 4: freedom isn't coming from having the shiny things that everyone
Speaker 4: can see. It's coming from your investment portfolio. The fact
Speaker 4: that your property portfolio, I'm assuming, is generating income to
Speaker 4: pay those More like, it's about strategy. No one can
Speaker 4: see that, so we need to get that started. And
Speaker 4: the best way to get that strategy started is automation.
Speaker 4: And then we're just going to give it.
Speaker 3: I have to think about it, stunt.
Speaker 4: No, why would you think about it if you do
Speaker 4: not have to, It's not fun.
Speaker 3: I also love it too, because I love automation. Sorry
Speaker 3: to interrupt.
Speaker 1: Because when I have that money in the bank that
Speaker 1: I've paid everything off, the mortgages are paid, the you know,
Speaker 1: everything's gone into investments, so I know the set amount
Speaker 1: of money that I can play with, and so when
Speaker 1: I spend money, there is not no guilt. There is like,
Speaker 1: you know, people are you know, if I will go
Speaker 1: buy something special for my thirty eth or yeah, something
Speaker 1: like that, and people like, oh, you're just wasting money.
Speaker 2: I'm like, no, I know exactly how much.
Speaker 4: Money and even if it was, and I literally printed
Speaker 4: this money out and set fire to it. Wouldn't matter,
Speaker 4: would it matter?
Speaker 3: It's not your problem?
Speaker 4: Yeah, Also, why are you so worrying?
Speaker 3: Jack?
Speaker 4: Exactly? So, I think it's so important to remember that unfortunately,
Speaker 4: wealth it's not visible. It's really hard to see those
Speaker 4: people who are financially successful. And in a world where girl,
Speaker 4: I saw so many influencers in my financial advice career
Speaker 4: that were up to their eyeballs in debt because they
Speaker 4: were keeping up with the Kardashians. Yes, like, it's just
Speaker 4: don't follow that. In fact, operate as a default. If
Speaker 4: that influencer isn't talking about money, isn't talking about wealth,
Speaker 4: they're probably not that comfortable with it. And do you
Speaker 4: know why they're not that comfortable with it, because they're
Speaker 4: not focusing on it. And if they're not focusing on it,
Speaker 4: but they've got the car, they've got the clothes, they've
Speaker 4: got the house, I've got everything, it's probably a little
Speaker 4: bit sticky. Like, operate under that assumption, even though it
Speaker 4: is not nice, because it will change your mindset to
Speaker 4: caring more about yourself.
Speaker 2: That's even like just a quick little story and there.
Speaker 1: I remember when I was about twenty five, and I
Speaker 1: was just kind of starting in the influencer game, and yeah,
Speaker 1: I was getting paid extreme soone you know.
Speaker 4: Like I stream amounts of money in comparison to what
Speaker 4: you were before.
Speaker 2: Yeah, when I was like a clerk, it was wild.
Speaker 1: And I remember being at an influencer event and a
Speaker 1: younger influencer, big YouTuber who I knew how much she
Speaker 1: was getting paid to certain sponsorships, and I was like,
Speaker 1: holy wow. And I was just telling her how we
Speaker 1: had bought our you know, first house, so I was
Speaker 1: at that age.
Speaker 2: And she was like, oh my gosh, like how did
Speaker 2: you afford it? And I literally reached.
Speaker 1: Over the table because she had like a whole bunch
Speaker 1: of Cardia rings on, she had you know, her sign
Speaker 1: a bag and everything, and I was like, paid because
Speaker 1: I don't buy those things.
Speaker 2: Yeah, and I that's what I know.
Speaker 1: I can look at your hand right now, I can
Speaker 1: look at your house to posit, and that is a
Speaker 1: house to posit.
Speaker 4: Don't get us wrong, Like we're sitting here probably yeah,
Speaker 4: like I deposits on our wrists right now.
Speaker 3: Absolutely.
Speaker 4: The reason we are able to do that is because
Speaker 4: we put our well first.
Speaker 1: Well first. The same stuff playing first, Yes, lady said
Speaker 1: to her, even though I think she's only twenty one,
Speaker 1: even though you're twenty one, trust me, babe, Like, who
Speaker 1: knows how long this career is going.
Speaker 4: To You never know?
Speaker 3: Do you never know?
Speaker 1: And so I just said to her, like, set yourself
Speaker 1: up and then when you play with your money, you're
Speaker 1: going to feel like so good when you spend it,
Speaker 1: when you buy that cuddier whatever.
Speaker 4: It's become something that means something as opposed to a
Speaker 4: status symbol.
Speaker 1: Yes, and look, I'm not like, yeah, who knows what
Speaker 1: happened there, But I remember having that conversation and seeing
Speaker 1: the world and being like wow, they And also she
Speaker 1: probably didn't have the education. No, she didn't have the
Speaker 1: role modelate like she I could tell when I told
Speaker 1: her that she was like me by a house at
Speaker 1: twenty one, Like.
Speaker 4: What, Yeah, you could could come and see me and
Speaker 4: I will do it for you.
Speaker 1: Like it's really easy, toss me just get people to
Speaker 1: do it exactly.
Speaker 3: And well, that's even why.
Speaker 1: I have a financial advisor, because I honestly hate numbers.
Speaker 1: I find it boring. I find the budgets boring. But
Speaker 1: it is so I'll tell you what you need, I'll
Speaker 1: tell me what to do, I'll do it, go do
Speaker 1: that and that and then.
Speaker 4: My random space exactly, and then can you please help
Speaker 4: me with my mindset?
Speaker 3: Great?
Speaker 4: Thanks, You've got.
Speaker 3: Us both exactly.
Speaker 1: Victoria, thank you so much for coming on show. It
Speaker 1: has been such a delight. You are such a wealth
Speaker 1: of knowledge, and like I said at the start, I
Speaker 1: just love that you aus have such a holistic view
Speaker 1: and you are such a empowering role model for women
Speaker 1: with money, with going after what they want, with living
Speaker 1: their dream life. But you actually you give them the steps,
Speaker 1: you give them, you know the tools, and it's so
Speaker 1: so neated.
Speaker 3: So thank you so much.
Speaker 4: Thank you, and right back at you. I feel like
Speaker 4: this little collaboration is one that needs to grow. I
Speaker 4: know you can do the mindset stuff. I want to
Speaker 4: play there too, but like I'll get the strategy, I'll
Speaker 4: do the strategy.
Speaker 3: We the masculine, we need the feminish.
Speaker 4: Yeah, with a ying to the yang is yea perfect
Speaker 4: Thank you for having me a pasure as always, and.
Speaker 1: Of course I will link everything that Victoria has to offer.
Speaker 3: In the show.
Speaker 4: Not I was just happy to be here, to.
Speaker 1: Be honest, but also guys like if you're like getting
Speaker 1: those moments, those are har moments where you're like, fuck,
Speaker 1: I can.
Speaker 2: Actually I can be in the do this, I can
Speaker 2: be at the big boys table.
Speaker 4: That hard.
Speaker 3: Honestly, it's not hard.
Speaker 4: If we can do it, you can do it, I know.
Speaker 4: And like we've just got folded up chairs. You bring one,
Speaker 4: we'll all sit at the same table and we'll just
Speaker 4: get stuff done.
Speaker 1: Well, we will absolutely all right, my love, thank you
Speaker 1: so much coming on the show. If you did love
Speaker 1: this episode, please take a screenshot, put on your stories,
Speaker 1: share it with a girl, our friend, share it with
Speaker 1: your mum, sister.
Speaker 3: Really appreciate it.
Speaker 1: This is an independent podcast and the reason that we
Speaker 1: can keep giving you this beautiful free content is because
Speaker 1: you guys share.
Speaker 3: It and we have listens and downloads. So appreciate you
Speaker 3: more than you know.
Speaker 1: If you do that, Thank you so much for listening,
Speaker 1: and I will chat to you in the next episode.
Speaker 3: Bye.